I wish the Department of Health would accept private provider plan reviews for septic tank permits.  

This is a golden illustration of the Guru sales pitches.  

I'll take having a health care directive over 10 LLC's any day.  

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

I currently enjoy my full time job in health care, but would love to cut down on my hours in another 5-10 years.

I think she illustrated the point well in this case, is that when buying the low price, $40,000 junk property from a turnkey company as an out of towner, you are almost always guaranteed to lose.  

You could lease part for food service or coffee shop and some retail space, a small health club, massage. 

I think my skills in mental health counseling and healthcare management are going to be surprisingly relevant to real estate investing (at least I hope so). 

Here's my primary reasons:Expenses disproportionately impact lower rent collecting properties For illustration purposes compare two identically designed 1+1 duplexes in the same market.  

For the most part its just health and safety items, which are items we should have remedied anyways.As someone else mentioned, biggest thing to avoid is having the house tagged as vacant which the city will do if it sits empty for too long (handful of months, grass not cut, etc).